1040 E Bay St, Winter Garden, FL 34787 Property Records

Orange County property record for 1040 E Bay St, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,143 sqft · built 1961
Lot Size	0.138 acres (6,004 sqft)
Owner	Company Name on Record
Last Sale	$150,000 (Apr 2020)
Tax Bill	$3,146 (2025)
Deeds & Mortgages	Aug 2020 Line of Credit Mar 2020 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24-22-27-0546-01-050`

Property Details

APN / Parcel Number

Primary APN	`24-22-27-0546-01-050`
Alternative APNs	`272224054601050` `120464` `121248` `122623`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	1 Room
Stories	1 Story
Building Area	1,143 sqft Living Area
Gross Area	1,161 sqft
1st Floor Area	1,143 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1961
Effective Year Built	Effective 2015
Exterior Material	Concrete/Cinder Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,004 sqft (0.138 acres)

Exterior Amenities

Porch	Slab
Porch Area	18 sqft
Shed	1 Shed
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	1040 E BAY ST
City	WINTER GARDEN
State	FL
Zip	34787-2910
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-5
Legal Description	BAY STREET PARK Y/42 LOT 5 BLK A
Legal Range	27E
Legal Township	22S
Legal Section	24
Legal Subdivision	BAY ST PARK
Legal Tract	546
Legal Block	A
Legal Lot Number	5
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	2
Census Block	2021
Census Tract	17402

Owner

Source: Orange County records, as of October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	5001 PLAZA ON THE LK, 200, AUSTIN, TX 78746-1053
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2020	Deed of Trust, Mortgage · Line of Credit NWL CO LLC
Mar 26, 2020	Warranty Deed, Transfer TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING
Jan 22, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Mar 16, 2020	Correction Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 7, 2020 · Amount on Record
Deed Sale	Apr 7, 2020 · Amount on Record
Prior Sale	Jan 22, 2019 · Amount on Record
Deed Document Number	2020193966
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1040 E BAY ST, WINTER GARDEN, FL 34787-2910
Document Number	0000428391
Instrument Date	Aug 7, 2020
Transaction Type	Mortgage
Record Updated	Sep 8, 2020
Title Company	BCHH INC

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5001 PLAZA ON THE LK AUSTIN TX 787461070, AUSTIN, TX 78746-1070

Mortgage

Document Number	0000428391
Date	Aug 13, 2020
Instrument	428391

Lender

Name	NWL CO LLC
Address	PO BOX 844, NEW YORK, NY 10108-0844

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Aug 12, 2025

Interest

Rate Type	Adjustable Rate

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Mar 26, 2020
Property Address	1040 E BAY ST, WINTER GARDEN, FL 34787-2910
Document Number	0000193966
Instrument Date	Mar 24, 2020
Instrument	193966
Transaction Type	Transfer
Record Updated	Apr 27, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Amount	Amount Recorded
Tax	$1,050.00
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5001 PLAZA ON THE LK #200 AUSTIN TX 787461053, 200, AUSTIN, TX 78746-1053
Investor	Possibly a Property Investor

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jan 22, 2019
Property Address	1040 E BAY ST, WINTER GARDEN, FL 34787-2910
Document Number	0000042723
Instrument Date	Nov 22, 2018
Instrument	42723
Transaction Type	Transfer
Record Updated	Feb 7, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$331.80
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7 W MAIN ST #100 APOPKA FL 327035185, 100, APOPKA, FL 32703-5185

March 2020: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	ORANGE FL
Recording Date	Mar 16, 2020
Property Address	1040 E BAY ST, WINTER GARDEN, FL 34787-2910
Document Number	0000166913
Instrument Date	Nov 22, 2018
Instrument	166913
Transaction Type	Transfer
Record Updated	Apr 24, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$332.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7 W MAIN ST #100 APOPKA FL 327035185, 100, APOPKA, FL 32703-5185

Tax Assessment & Valuation

Source: Orange County assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Orange County
Municipality	Winter Garden City
Unified School District	Orange County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$204,303 (+1%)	$242,620 (+18.72%) Land $75,000 Building $167,620
2025	$3,146.00 (+9.43%)	$185,730 (+2.67%)	$204,370 (+12.97%) Land $50,000 Building $154,370
2024	$2,875.00 (+9.82%)
2023	$2,618.00 (+7.74%)	$180,904 (+5.86%) Land $45,000 Building $135,904	$180,904 (+5.86%) Land $45,000 Building $135,904
2022	$2,430.00	$170,888 Land $45,000 Building $125,888	$170,888 Land $45,000 Building $125,888

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	4 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WINTER GARDEN WATER DEPT (3 WPS) serves 72,205 people · EPA ID FL3481481
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 156 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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